Reply to if you SAH, how do you plan for DH leaving, dying, etc.?

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[quote=Anonymous]I am a SAHM.  I worked full-time for 12 years before I went very part-time for 5 years and then became a full-time SAHM.  During my working years, I maxed out my 401k.  I have $200K in there at age 46. I also contributed to an IRA and still do (can do $5500 per year even if you don't work).  My balance there is $125K.  
It sucks to see my retirement savings slow down, but I feel good that I at least thought ahead and have a somewhat decent nest egg.

My husband who started saving for retirement way after I did, but doesn't have a break in work has surpassed 
me in savings for retirement and will continue to do so.

I do somewhat regret stopping working because now that my kids are a bit older it's hard to find work.  My kids are still in school, so I just want part-time and that seems even more difficult.

I don't worry about getting divorced or my husband screwing me over if we did.  I actually take care of the finances, so he'd be hard- pressed to even know what we have, even though I try to get him interested; he is not.

We both have life insurance.

Note: If you are a SAHM with a small part-time business working from home, you can contribute to a SEP-IRA.[/quote]

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